What is the lowest rate that you can offer?

This can seem like a fairly easy question to answer, but rates are constantly changing long with bank programs. Some banks offer financing with $0 down, some give better rates with more money down, some utilize risk-based pricing depending on both the applicant’s credit history and the vehicle being financed. We will work hard to get you the best rates possible from our lenders based on your individual situation. Just fill out an online application through our website to see what you could be approved with today!


What if I have bad credit?

We have partnered with several lenders who have avenues available for those with poor credit, no credit, and even bankruptcies. These programs look at your credit specifically and discuss with you what happened in these instances to see if you would still be a good candidate. Complete an online application to see what’s available to you. No obligation!


Do I need to put any money down?

A good amount of our customers leave without pay any money out of pocket! Down payments may be required based on the applicant’s credit history. It all depends on your individual situation. Fill out the credit application on our website to see if you would be required to provide a down payment!


Do you do “buy here, pay here” financing?

Unfortunately, we only offer financing through third party lenders at this time. We are not able to make financing decisions ourselves. We do not have any sort of “buy here, pay here” financing options.

Contact us

Send us an Inquiry

CarCo Direct

Address: 818 Cleveland Street, Elyria, OH 44035
Phone: 440-787-7342
Fax: 440-366-0167
E-mail: sales@carcodirect.com

Hours of Operation

10 AM - 7 PM
10 AM - 6 PM
10 AM - 6 PM
10 AM - 7 PM
10 AM - 6 PM
10 AM - 5 PM